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New · 2025 Prospectuses Available — Five strategies, up to 112% annual return · Capital Preserver · Balanced Growth · Real Estate Trust · Private Wealth Index · Aggressive Equity View 2025 Prospectuses →
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Lock Periods Explained

How It Works

Lock Periods — Flexible, Fixed & Annual

A lock period is the term you commit your capital to a strategy in exchange for a confirmed yield rate. The longer the commitment, the higher the APY tier unlocked. Here is everything you need to know before choosing.

3
Lock Structures Available
+28%
Max APY Uplift for Annual Lock
72 hrs
Early Exit Settlement
T + 1
Maturity Settlement

01 — The Basics

What Is a Lock Period?

When you open an investment position, you choose how long you commit your capital. This commitment is your lock period. In exchange for locking your capital for longer, Halofinity can negotiate better deal terms and position blocks — and passes those superior returns directly to you as a higher APY tier.

No lock period means maximum flexibility — you may withdraw your principal at any time within 72 hours. But that flexibility comes at the cost of the base APY tier only. Choosing a fixed term (3 months, 6 months, or 12 months) unlocks progressively higher yield bands, with the annual lock delivering the peak APY across every strategy.

You choose your lock structure at the point of position opening. Once set, the structure and its confirmed APY tier are fixed for the life of that position. You may open multiple concurrent positions with different lock choices under the same account.

02 — The Three Structures

Flexible, Fixed Quarter & Annual

Every strategy on the platform supports all three lock structures. The APY tier you lock in at position open is guaranteed for the full term — it does not fluctuate.

Structure 01
Flexible
Base APY
No lock commitment
Ideal for investors who need liquidity access at any time. Your position earns the base APY tier for your strategy — fully valid and competitive — and you may request a full or partial withdrawal at any point, settled within 72 hours. No penalty applies on Flexible positions.
No exit fee  ·  72-hour settlement  ·  Base APY tier
Most Chosen
Structure 02
Fixed Quarter
Mid APY
90-day or 6-month commitment
The most-chosen structure. You commit your capital for either 90 days or 6 months and receive the mid-range APY tier. At maturity your full principal and accrued yield are released within one business day. Early exit before term end incurs the strategy's exit fee on principal.
Exit fee on early withdrawal  ·  T+1 at maturity  ·  Mid APY tier
Structure 03
Annual
Peak APY
12-month commitment
The highest yield structure available on the platform. By committing for twelve months Halofinity secures the largest institutional position blocks, delivering the peak APY tier. Recommended for investors who do not require liquidity access within the year and prioritise maximum return.
Exit fee on early withdrawal  ·  T+1 at maturity  ·  Peak APY tier

03 — Lock & APY Matrix

Strategy-by-Strategy APY by Lock Structure

The APY ranges below apply to each lock tier per strategy. Peak APY is unlocked only on 12-month fixed positions.

Strategy
Flexible
No lock
Fixed Quarter
90 days / 6 months
Annual
12 months
Capital Preserver
37%
41%
45%
Balanced Growth
51%
59%
67%
Real Estate Trust
53%
62%
71%
Private Wealth Index
71%
81%
91%
Aggressive Equity
83%
97.5%
112%

04 — Early Exit

What Happens If You Exit Before Term End

Life changes. You are never trapped. But exiting a fixed or annual position before its maturity date triggers a one-time exit fee deducted from the principal returned.

What You Keep
All Accrued Yield Is Yours
Every penny of yield that accrued from position open to your exit request date belongs to you. It is paid into your withdrawable balance in full, regardless of when you exit. The exit fee only applies to the principal — never to yield already earned.
Settlement time
72 hours
Processed via the internal private exchange
What Is Deducted
Strategy Early Exit Fee
A flat percentage of your principal is deducted on early exit from a Fixed Quarter or Annual position. Flexible positions carry no exit fee at all. The fee scales with strategy risk profile — higher-risk strategies carry higher early exit costs.
Exit fee range (principal only)
2% – 4%
Capital Preserver 2%  →  Aggressive Equity 4%

05 — Exit Fee Reference

Strategy Lock & Exit Fee Summary

A complete reference for every strategy's lock availability, peak APY, and early exit cost.

Strategy Flexible Available Fixed Quarter Annual Lock Peak APY Early Exit Fee
Capital Preserver ✓ ✓ ✓ 45% 2% of principal
Balanced Growth ✓ ✓ ✓ 67% 2.5% of principal
Real Estate Trust ✓ ✓ ✓ 71% 3% of principal
Private Wealth Index ✓ ✓ ✓ 91% 3.5% of principal
Aggressive Equity ✓ ✓ ✓ 112% 4% of principal

06 — Choosing Your Structure

Which Lock Period Is Right for You?

There is no universally correct answer — it depends on your liquidity needs, risk appetite, and investment horizon. Use this guide to shortlist your structure before opening a position.

01
You may need the capital back
If there is any realistic chance you will need your invested capital within the next 3 months, choose Flexible. You still earn a strong base APY and can exit at any time with no penalty.
→ Choose Flexible (Base APY)
02
You are confident for 3–6 months
You have emergency reserves elsewhere and your invested capital is genuinely available for 90 days or more. The Fixed Quarter structure gives you a meaningful APY uplift with a manageable commitment window.
→ Choose Fixed Quarter (Mid APY)
03
You are investing for 12 months
You have a 12-month horizon and want to maximise the return on your deployment. The Annual structure is designed for this — it unlocks our best institutional deal access and delivers the platform's peak APY tier across all five strategies.
→ Choose Annual (Peak APY)

Choose Your Lock Structure Today

Open an account and select your strategy and lock period in under five minutes.

Open an Account  → Returns & Payouts Guide